Citizens Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Citizens Bank & Trust of Guntersville, AL reported 251 mortgage applications totaling $27.1 million, up 28% from 2009. The average application was for $108,063, and applicants reported an average income of $66,207. 53% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Huntsville, AL (62), Decatur, AL (19) and Birmingham-Hoover, AL (16) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank & Trust 711 Gunter Avenue Guntersville, AL 35976 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 251 |
| Total Mortgage Loan Application Amount | $27,124,000 |
| Average Mortgage Loan Application Amount | $108,063 |
| Highest Mortgage Loan Application Amount | $803,000 |
| Average Applicant Income | $66,207 |
| Highest Applicant Income | $802,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 140 | $19,764,000 | $141,000 | $803,000 | $67,000 | $557,000 |
| Home Purchase | 83 | $6,768,000 | $81,000 | $438,000 | $70,000 | $802,000 |
| Home Improvement | 28 | $592,000 | $21,000 | $101,000 | $51,000 | $211,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 198 | $21,940,000 | $110,000 | $803,000 | $78,000 | $802,000 |
| Not applicable | 29 | $3,017,000 | $104,000 | $438,000 | $0 | $0 |
| Black or African American | 16 | $1,676,000 | $104,000 | $412,000 | $50,000 | $200,000 |
| Hispanic | 6 | $354,000 | $59,000 | $107,000 | $39,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $31,000 | $31,000 | $31,000 | $66,000 | $66,000 |
| Asian | 1 | $106,000 | $106,000 | $106,000 | $27,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 215 | $22,988,000 | $106,000 | $803,000 | $70,000 | $802,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,387,000 | $116,000 | $263,000 | $49,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $421,000 | $70,000 | $105,000 | $25,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $328,000 | $328,000 | $328,000 | $89,000 | $89,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 133 | $11,749,000 | $88,000 | $803,000 | $71,000 | $802,000 |
| Application Denied By Financial Institution | 75 | $8,521,000 | $113,000 | $400,000 | $54,000 | $240,000 |
| Application Withdrawn By Applicant | 34 | $5,676,000 | $166,000 | $680,000 | $76,000 | $300,000 |
| File Closed For Incompleteness | 3 | $545,000 | $181,000 | $412,000 | $88,000 | $200,000 |
| Application Approved But Not Accepted | 3 | $389,000 | $129,000 | $166,000 | $38,000 | $83,000 |
| Preapproval Denied by Financial Institution | 3 | $244,000 | $81,000 | $102,000 | $41,000 | $79,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $84,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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